First car accident and need expert suggestions for recover mylife

I met with car accident last month but fortunately been survived with minor injuries with Airbag and seatbelt help. The car front side each of the part including chasis,radiator,gearbox headlamps got broken.outside body is good. I have IDV of 8.45lakhs for 1month old car. The initital estimate provideby dealer is 6.4 lakhs and the Lossanalyser still asking them to reestimate to include some damaged parts. But the latest estimate have more than 6.4 lakhs, I have few questions in my mind, How much the Insurance company will be offered for repairs, is there any liability from myend. who(owner,Insurance) actually prefers the Total loss and what happens in that case, I mean how much claim will I receive